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Pillar 3a 2026: how much tax do you save?
Every franc you pay into Pillar 3a is deducted from your taxable income. Pick your canton and contribution to see roughly what it saves you this year.
Contributions are deductible from taxable income. The saving depends on your canton, municipality and income.
Based on published figures for a single person with CHF 100'000 taxable income in the cantonal capital. Lower incomes save less, higher incomes more.
Check your exact figure with your canton's tax calculator. Payments must reach your 3a account by 31 December.
Source: Convit, 2026Limits 2026
- Employees with a pension fund: up to CHF 7'258 a year — about CHF 605 a month.
- Self-employed without a pension fund: 20% of net income, up to CHF 36'288.
- From 2026, contributions you missed from 2025 onwards can be paid in retroactively (in addition to the yearly maximum).
Tips
- Pay monthly with a standing order instead of in December: you won't have to find thousands of francs at once.
- Money in a 3a account earns little interest. For horizons of 10+ years, invested 3a solutions have historically done better — with ups and downs.
- Withdrawals are taxed separately at a reduced rate that rises with the amount. Many people open several 3a accounts to withdraw them in different years.
Deadline
31 December: the payment must reach your 3a account — not just leave your bank account — to count for this year.
Estimates only. The real saving depends on your municipality, income, marital status and other deductions — check with your canton's tax calculator.
This is one of five checks in the Savings Finder
Monivoxx Premium runs all of them on your own numbers and adds them up — plus bank import, a full report and a monthly check-in.
- Health insurance
- Pillar 3a tax
- Savings interest
- Subscriptions
- Expensive debt